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About our owners
Justin Modray
Justin Modray
has over two decades of financial services experience, including as an IFA (where he established himself as one of the UK’s most prominent investment commentators in the financial press) and as a consumer champion with his Candid Money website.

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Ian Millward
Ian Millward
graduated in 1993 with an honours degree in Financial Services and established himself as a prominent financial commentator in the late 90’s and early noughties.

More recently Ian’s work has led to him working directly with specialist investment managers. Ian is a Chartered Financial Planner and holds Certificates in both Investment Management and Discretionary Investment Management.

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About being Candid

The financial services industry has a poor track record when it comes to putting customers' interests first. All too often the consumer gets a raw deal.

This was the catalyst for Justin building the Candid Money website back in 2009 - his motivation being to provide truly impartial information and guidance that would help consumers make good financial decisions. Over 1 million words and visitors later, Candid remains as committed as ever to achieving this.

Candid Financial Advice is based on exactly the same values and ethos, but aimed at individuals who want the comfort of a trusted adviser rather than the diy approach.

Over the years we have experienced most things the financial services industry can throw up and we bring all this experience to bear to make sensible and considered decisions. We take the responsibility of looking after others people’s money seriously, but also try to do this in a relaxed and friendly way.

One of our key aims is to bring down the cost of advice for our clients. This means we work very efficiently and run a tight ship. Our fee structure rewards us for building successful long term relationships with clients and we believe we offer a unique combination of first rate advice, service and exceptional value for money.

Candid definition

Please note you are leaving a regulated website and moving to, which is a financial guidance site not regulated by the Financial Conduct Authority.

This is a separate business and we give no endorsement and accept no responsibility for the content of that site or sites linked to that site.